Best Virtual and Prepaid Debit Cards for Pakistani Shoppers

Virtual Debit Cards

Most people avoid online shopping due to mistrust (in the provider/store) or lack of working debit cards. While, we’ll deal with trust in another post; lets venture into the world of virtual prepaid cards and regular prepaid debit cards.

The concept of online shopping has increased by many folds in the recent years, and it is an integral part of the global economy. Many people, though, still cannot shop online due to restrictions placed on them based on their location. Namely, many people cannot order products from certain websites because Pakistan is not supported by that site’s shipping services, or perhaps their bank still does not support online payments.

We have already covered in detail how one can get a parcel forwarding address in order to get the items anywhere in the world but now its time to focus on a payment solution to go with your new address.

Virtual debit cards and Virtual Prepaid Cards are becoming a necessity in the online marketplace. The internet has many dangers including scam virtual debit card sites such as Cliffscard and Safepay. Below is a list of the best virtual and prepaid debit card services out there.

How Virtual Prepaid Cards Work

Virtual debit card providers offer prepaid debit cards that can be accepted globally. Once you sign up with these services, you have to go through a verification process. Getting verified is not very difficult or lengthy especially if you have your  smartphone nearby. They ask for certain documents to verify & check you are indeed a registered citizen with a valid residential address, contact number and a bank account or not. Once the documents are verified, you are a free to use your own money via their virtual debit cards.

How? Well you simply have to upload your funds via their allowed methods which can be local bank transfer, wire transfer, Credit/Debit card etc. and then wait for the money to get topped up in your card. After that you can use your virtual prepaid card on any website to purchase anything.

Now for the list of Virtual Prepaid Cards and Prepaid Debit Cards

MCB Lite

1 MCB Lite

A very good card for internet use from MCB. The MCB Lite is a prepaid Visa card, enabled for internet payments for local and international transactions. The card is free to signup and use; meaning there is no loading fee or monthly service fees attached to it. There is an annual fee of PKR 300 on all MCB Lite plans though which is a reasonable amount.

Speaking of plans, every new account/card starts at MCB Lite 0 which has an annual limit of PKR 200,000 (deposit & withdrawal). Once you visit a MCB Lite branch and submit some documents, you can upgrade to Lite 1 and Lite 2 for free. Full charges and limits are clearly defined however, they make no mention of the FX charges on foreign currency transactions. Thankfully, one doesnt need to be an MCB account holder to get this card. Though you can avail all the facilities of holding a bank account. From paying utility bills and mobile top ups to sending money to other account holders within MCB network and outside of it via IBFT.

Recently, MCB has enabled the Lite account to receive remittances directly into the mobile wallet. This makes it one of the best & most powerful prepaid cards in the market today. Some of these remittance providers include: Xpress Money, UAE Exchange, MoneyGram, Transfast, EZRemit, Ria,and ACE etc. Also, did we mention that this is a full fledged mobile wallet with its own app? Its not the best with mediocre reviews however, it beats not having any insight into account balance and relying only on text messages and ATM machines.

UBL Wiz Card

2 UBL Wiz Card

The first prepaid card to launch in Pakistan is the UBL Wiz card. While they have improved their card tremendously, they are surprisingly (or maybe not surprising?) well behind MCB which came in much later and continues to evolve.

The Wiz card is a bit expensive to maintain and use, not to mention that just having a Wiz card does not mean that you can use it online. No, you have to activate it for internet use (free) and then proceed for an internet session on it for PKR 100. Once the session duration expires, you cannot use it for internet. Best to use this card for one/off purchases and not for monthly subscriptions/recurring payments online.

They do offer a Wiz Internet card which is a prepaid virtual card solely for internet use that has its own limits, however it is nowhere as good as the MCB Lite (on paper atleast). Reloading the Wiz card is only allowed from the UBL branch network, UBL ATMs, UBL netbanking or an OMNI Dukaan. Unfortunately, you cannot load this online through your regular bank account outside of the UBL branch network. The UBL Wiz Internet card is a better option for those looking for a prepaid card to use exclusively online. The internet card doesnt require online activation and there are no session charges. However, there is an annual limit of PKR 100,000 for non-biometric verified cards and PKR 500,000 for verified cards.

US Unlocked

3 US Unlocked

US Unlocked is by far the most helpful service out there for international shoppers. They give you a virtual prepaid MasterCard that you can either use once or reload whenever you shop online. How does this work? Well they need some basic info from your end along with a US shipping address from one of their partnered services(names mentioned below). You then need to make a card payment which includes a one-time application fee.

Once your credentials are approved it then takes 2-4 business days for you to get the virtual debit card working. If you order a non-reloadable card then there is no ID verification and you can start using it instantly.

You can load cards through a number of methods; depending on your location. The card allows recurring payments… so your monthly subscriptions for Netflix, Spotify or HuluPlus are all safe. The card can be linked to PayPal and here is how you can do it.

Partnered forwarding services are: Opas, Shipito, Shop and Ship and TransExpress. Also keep in mind that you can read about these services in our parcel forwarding post which we keep updated.


4 MoneyPolo

Another unique service that deserves a dedicated review. MoneyPolo gives both physical and virtual prepaid cards to users. Signup is easy and free. Getting yourself verified is the next step and after that, everything is straight forward.

You have the option to get four types of VISA cards with MoneyPolo; Multi-Currency Visa, Virtual Visa, Virtual USD MasterCard and USD MasterCard. As the name suggests, Multi-currency supports EUR, USD, GBP, CHF, JPY, AUD, CAD, NOK, DKK, SEK, SGD, HKD, ZAR, NZD and AED.

You can move the money from or to your card whenever you like. When you are not using the card, just withdraw the remaining money into your bank account or your MoneyPolo account. Virtual Visa Card however, is a perfect solution if you worry about the safety of your private data. Also, unlike ordering regular plastic cards, this virtual card is ready instantly and active for multiple uses.

The Virtual USD MasterCard has no transaction nor maintenance fees and should be used for online payments only. You can have up to 3 cards at once, each limited to a maximum balance of $6500. The USD MasterCard however, is the “material” brother of its Virtual MasterCard. This card is tied to a dollar account too, but it has a bigger limit; maximum $25,000 and can be used anywhere.

MoneyPolo account/card can be loaded via debit/credit cards, wire transfers, Bitcoin, Sibcoin, OKPay, QIWI, Cash transfer (through select outlets in different countries) and Direct Debit.

MoneyPolo recently bought out OK Pay hence now, both services can be used in tandem. It is easy to withdraw funds in your OK Pay wallet into MoneyPolo and vice versa.


5 EntroPay

Another very good choice for international shoppers wanting to parcel their shipping is EntroPay. You can get a Virtual Debit Card with EntroPay. Sign up is free. Upon successful creation of account, the user is allowed to load 20 bucks of the available currencies they offer (USD, EUR, GBP, AUD etc). Once you submit relevant documentation and become a verified user, the 20 bucks restriction is lifted and is replaced by their regular limits.

You can upload your money via bank account or any credit/debit card at a certain fee. Once you have uploaded your money, you are clear to buy products from websites that accept VISA. Plus, you can also get a prepaid plastic MasterCard with which you can make payments with chip and PIN. The waiting time for uploading money via bank transfer is between 1-3 days. Topups via credit/debit card is instant and expensive. To withdraw money from your card, just go to an ATM and withdraw.

The awesome thing about EntroPay is that there is no annual fees and there is no interest. The website is also 128 bit SSL secured

So, thats a list of Prepaid Debit cards available for online shopping. There is load fees and the bank’s FX rate when you top up/load your card (international cards only). However, once you top up, you don’t suffer losses due to FX fluctuations.

Is there a card we missed that you love to use online? Let us know in the comments below and we’ll check it out.


  1. hi
    i am dying to use any virtual card that can work with xbox live account. see i have made an account on entropay but they say they dont use AVS(address verification system) and i know that microsoft uses verification like address name and zipcode attached with the card number that i will put in. this is the problem as i dont know whether my payment will be accepted or will i waste my money through entropay. Even if i use a shipping US address (i ahve one for florida based parcel company) on the microsoft site will the enropay card work?

    now coming to Pakistani solution as i am one myself! The mcb lite card seems like a good option but again i have same doubts that as they will register my address of pakistan but when i will use that card numebr in the Xbox account the cross check wont match bcz i have to give them the US address so again i am absolutely confused what will happen as i dont want to waste my top up money! so plz QH tell me something that can calm me

    • Maybe I can calm you down.

      May I ask what it is that you are planning to purchase? I ask because there are things that you can simply purchase via Xbox Live prepaid card and Xbox prepaid card. And these both cards are available to purchase via Keenu Wallet… this is something we have tested as well.

      There is a 50% chance that with entropay you will lose out if the payment is not accepted, and same goes for the MCB Lite account. Though I am in the process of checking everything out (via MCB Lite card) in the coming months… but consider the Keenu Wallet option.

      There is also a store by the name of TechStudio – I just confirmed and they keep Xbox cards as well (they deliver nationwide and prepaid cards via email) –

      • thanks zahra i tried commenting the same thing on ur original thread on the site but the comment system was broken for some reason.

        this is the thing why do i need a virtual cc for xbox live bcz i can easily buy the games from any xbox gift card that is fine and well known but most people dont know and it is the worst thing of microsoft that they dont allow users to buy the games of xbox360 which are backwards compatible thrugh the account money or gift cards.

        that is why i am looking for a virtual card bcz they need a payment method plus they do a cross check of the address which is even more damning! Entropay people just replied to my same question with the routine answer they have on their site that yes it might or might not work(like i dont know that before!) they dont provide AVS.

        coming back again to MCB lite i have applied online but it seems i have to go to the branch and fill out some form it will take a while. can u check mcblite card with xbox live for xbox 360 backwards compatible games? i know it is not ur thing but since u are checking everything u might give taht a try as well plz

        i dont know anything about keenu wallet but thx anyway i am not looking for options to buy xbox gift cards i can get them from various sources and differnt price ranges but that is not my concern but if keenu wallet can satisy xbox live purchase system with the check and all i might try it. i will look at techstudio for the prices of cards if they are any good i might use them! hope u reply again and quick plz

        • Will have the Global site checked asap tomorrow.

          Yes Microsoft can be a pain, in fact a lot are like this, but yes they should be lenient. I’ll try to check if I can once my MCB Lite card arrives. Will update you once its tested.

          • thanks for that
            but why does it take an entire 20+ hours for my comment to show up here?

            and again check the xbox for xbox360 backwards compatible games purchase not the xbox one games! this is assuming u do own or have a xbox in the first place!

  2. I live in Pakistan and I’d like to get a virtual debit or credit card that I can use on Amazon, Playstation store, Paypal etc. . I had one on Entropay and now I can no longer use it as they now only provide it to European countries. I don’t want one from UBL or MCB as I have to open an account there. So, are there any other options available? Thanks.

  3. Hi,
    I hope you are fine and doing great. I have read this article about payment solutions for international purchase from Pakistan (which is BTW a great guide) and have a question regarding using the right card to purchase Gigs from fiverr. I have tried SC Debit and Credit card as well as Meezan and MCB debit cards but all were declined. I am not sure if MCB lite or UBL Wiz will work. Any thoughts?

    Moreover, all the other methods (IntroPay, MoneyPolo, US Unlocked) are not accepting new applicants.

    Let me know.

    • Meezan cards should work because for me it does. And yes, its very sad that these services have all pulled out from either us(Paksitan) or generally stopped accepting applicants outside EU.


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